811 Main St, Covington, KY 41011 Property Records

Kenton County property record for 811 Main St, Covington, KY 41011

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 2,326 sqft · built 1890
Lot Size	0.05 acres (2,178 sqft)
Owner	Individual Name on File
Last Sale	$560,000 (Nov 2025)
Tax Bill	$5,697 (2025)
Deeds & Mortgages	Nov 2025 Sale & Mortgage Apr 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`040-44-15-011.00`

Property Details

APN / Parcel Number

Primary APN	`040-44-15-011.00`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,326 sqft Finished Area

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Exterior Material	Brick
Foundation Type	Stone
Roof Material	Metal
Lot Area	2,178 sqft (0.05 acres)
Lot Dimensions	90 ft deep x 25 ft wide

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	811 MAIN ST
City	COVINGTON
State	KY
Zip	41011-1356
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HOWK GEO LOT 28
Legal Subdivision	HOWK GEO
Legal Lot Number	28
Jurisdiction	KENTON KY
Township / Civil Division	COVINGTON
Census Block Group	2
Census Block	2011
Census Tract	60300

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the West Side-Main Strasse Historic District listed 1983 · 800 contributing resources · NRIS 83003650

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

811 Main St is owned and occupied by an individual who bought it in November 2025.

Source: Kenton County records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	811 MAIN ST, COVINGTON, KY 41011-1356
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Man

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Nov 18, 2025	Warranty Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC
Apr 20, 2020	Warranty Deed, Transfer · Conventional Mortgage PNC BK
Apr 13, 2020	Deed of Trust, Mortgage PNC BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 18, 2025 · Amount on File
Deed Sale	Nov 18, 2025 · Amount on File
Prior Sale	Apr 20, 2020 · Amount on File
Deed Document Number	20251118185
Deed Book / Page	375 / 706
Record Updated	Oct 29, 2026

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Nov 18, 2025
Property Address	811 MAIN ST, COVINGTON, KY 41011-1356
Document Number	0005900185
Book / Page	KC 375 / 706
Instrument Date	Nov 14, 2025
Instrument	25111805900185
Transaction Type	Transfer
Record Updated	Dec 5, 2025
Title Company	360 AMERICAN TITLE SERVICES

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5830 STEFANO DR, DELMONT, PA 15626

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	811 MAIN ST, COVINGTON, KY 41011-1356

Mortgage

Document Number	0005900186
Date	Nov 18, 2025
Instrument	25111805900186

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2055

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KENTON KY
Recording Date	Apr 20, 2020
Property Address	811 MAIN ST, COVINGTON, KY 41011-1356
Document Number	0000000083
Book / Page	000017 / 000435
Instrument Date	Apr 13, 2020
Instrument	83
Transaction Type	Transfer
Record Updated	Jun 19, 2020
Title Company	AGILITY CLOSING AND TITLE SERVICES I, AGILITY CLOSING & TITLE SVCS I

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$430.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	811 MAIN ST COVINGTON KY 410111356, COVINGTON, KY 41011-1356

Mortgage

Document Number	84
Date	Apr 20, 2020
Book Page	000M33/000831
Instrument	84

Lender

Name	PNC BK
Type	Bank
Address	MIAMISBURG, OH 45342

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 19, 2050

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KENTON KY
Property Address	811 MAIN ST, COVINGTON, KY 41011-1356
Document Number	0000000084
Instrument Date	Apr 13, 2020
Transaction Type	Mortgage
Record Updated	Jun 15, 2020
Title Company	AGILITY CLOSING AND TITLE SERVICES I, AGILITY CLOSING & TITLE SVCS I

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	811 MAIN ST COVINGTON KY 410111356, COVINGTON, KY 41011-1356

Mortgage

Document Number	0000000084
Date	Apr 20, 2020
Book Page	000M33/000831
Instrument	84

Lender

Name	PNC BK
Type	Bank
Address	MIAMISBURG, OH 45342

Agreement

Amount	Amount on Record
Term	360 Months
Due	Apr 19, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 811 Main St was $5,697.

Source: Kenton County assessment roll, as of December 2, 2025

Property Jurisdictions

Type	Name
State	Kentucky
County	Kenton County
Municipality	Covington City
Unified School District	Covington Independent School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$560,000 (+30.23%) Land $10,000 Building $550,000	$560,000 (+30.23%) Land $10,000 Building $550,000
2025	$5,697.00	$430,000 Land $5,000 Building $425,000	$430,000 Land $5,000 Building $425,000
2023	$5,727.00	$430,000 Land $5,000 Building $425,000	$430,000 Land $5,000 Building $425,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 811 Main St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective June 19, 2015

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 811 Main St is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 63% of Kentucky
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	NORTHERN KENTUCKY WATER DISTRICT serves 259,949 people · EPA ID KY0590220
Water Source	Surface water
Last State Inspection	Oct 2023
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 607 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
altafiber Network Solutions Fiber	3,000 / 3,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Starlink Satellite	280 / 30

May also be available: T-Mobile, Verizon.

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